; ? The loan balance generally refers to the total amount of loans remaining to be repaid as of a certain date. Many people may only know about it, but it is not clear which part of the loan balance specifically includes. For example, is the loan balance the principal plus interest? Only by clarifying the specific reference can we be completely clear, so let's take a look at it together.

1. Is the loan balance the principal plus interest? No. 1. The loan balance is only the outstanding remaining loan principal without interest. 2. Loan balance = loan principal-accumulated repaid principal. 3. The loan will not be fully settled until the loan balance is .

2. Illustrate the loan balance. Suppose a loan of 1, yuan is loaned for 1 years, with equal repayment of principal and interest, and the annual interest rate is then: 1. Monthly repayment amount = yuan; 2. Repayment principal in the first month = yuan, repayment interest = yuan, and loan balance = yuan; 3. The repayment principal of the next month = yuan, repayment interest = yuan, and loan balance = yuan; With the repayment of the loan principal, the loan balance decreases month by month until the last repayment month of the loan period is completed, and the loan balance is , and the loan is settled. Note that under the repayment method of equal principal and interest, the repayment law is that the monthly repayment principal increases month by month and the monthly repayment interest decreases month by month, which means that the interest is mainly repaid in the early stage, and the principal is less. Therefore, after five or six years of repayment in the early stage, many people find that the loan balance may remain a lot, which seems to have not decreased much. This is the reason. The above is about "Is the loan balance the principal plus interest?" I hope it can help you.